Hi everyone I own a credit card website and I have found that many people are having a problem finding or getting the best credit card for them. There are many reasons to get credit cards, balance transfers, rewards, building credit, etc. however if you follow this simple guidline I can garuntee that getting one will not be hare for you.
Getting the best credit card is a very easy process. The first step is to figure out where you stand as far as credit goes. Find out if you have bad, fair, good, or excellent credit. If you have had multiple late payments or any charge offs on your credit report you most likely have bad credit. If you only have 1 credit card and 1 secured loan but you keep them in good standings then you most likely have fair credit. If you have multiple credit cards and 1 or more secured loans that you keep in good standings but only pay the minimum payments or you have used more than 70% of your available credit you most likely have good credit. If you have multiple credit cards but not more than 5 and 1 or more secured loans that you keep in good standings and you constantly pay a good deal more than the minimum payment then you most likely have excellent credit. The next step would be to research the best credit card that you think would work for you. You can find the credit card offers at www.JemCreditCards.com. When you are researching you will notice that most sites will recommend certain cards for certain types of credit I strongly recommend you follow these guidelines. Once you have chosen the credit card for you go ahead and apply. If you do however get declined go 1 step down in credit if you applied for excellent credit credit cards and got declined, then your next credit card would be in the good credit section. This is very important because you never want more than 5 declined applications showing on your credit report in any given 45 day period. This could damage your credit.
Also, my favorite when it comes to credit cards is Discover cards. Discover card usually come with the best balance transfer offers and rewards. Also, Discover credit cards are not one that is known for high interest rates so there is a good chance that after a 0% promotional period you will have a low interest rate.
Finally when applying for a credit card please remember to read the terms and conditions for that credit card. All too many times I have found that people do not read the terms and conditions and get stuck in something they don’t want down the road.
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